Tangem Pay Card
Issued via Third National · Card currency USD
- Custody
- Self-custody
- Network
- Visa
- Card types
- Virtual only
- Card product
- Secured by crypto
- Wallets
- Apple Pay, Google Pay
Spending is backed by crypto you lock as collateral. No credit check, no interest.
Partly verified · 7 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Tangem Pay Card is a virtual crypto card. Spending is backed by crypto you lock as collateral. No credit check, no interest. It is issued by Third National. Payments run on the Visa network. The card currency is USD.
Funding and spending
You keep your keys, and the card spends from your own wallet. It can be funded with crypto or with fiat money. You can top it up by crypto and bank transfer. You can reload it after the first load. It can be funded with 2 assets: USDC and USDT. Top-ups are accepted on 4 blockchain networks: Arbitrum, Base, BNB Smart Chain and Polygon.
Fees
It has no virtual card issuance fee. The FX markup is 1.5%. The top-up fee is free to USD 1, depending on tier. The ATM withdrawal fee is 2% to 4%, depending on tier. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee, monthly fee and crypto conversion spread yet.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: USD 10,000 to USD 50,000, depending on tier. It pays 1% to 2% back on card spend, depending on tier. Rewards are paid in USDC. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie. You can apply in 40 countries. That includes 20 in North America, 10 in South America and 5 in Asia. You cannot apply in 18 countries, including China and India. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 8 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Plus | Basic |
|---|---|---|
| ATM withdrawal | 2% | 4% |
| Top-up | Free | USD 1 |
| Account monthly fee | USD 29.99 | Free |
| Daily spend | USD 50,000 | USD 10,000 |
| Back on card spend | 2% | 1% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Tangem Pay Card
Pros
- No card issuance fee
- 1% back, up to 2% on higher tiers
- Self-custody: you keep control of your funds
- Spending limit of at least USD 10,000,000 a year
- You can apply in 40 countries
- Works with Apple Pay and Google Pay
Cons
- 5 of 12 key facts are not verified yet
Who it suits
- People who want to keep control of their own keys
- People who want cashback on everyday spending
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
?
Limits
Rewards
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Virtual card only: nothing is shipped.
Rules the issuer states
- The Tangem Pay card is accepted anywhere Visa is acceptedChecked 03 Oct 2026agingsource
No country matches your search.
Frequently asked questions about Tangem Pay Card
Who issues Tangem Pay Card?
Tangem Pay Card is issued by Third National. Payments run on the Visa network.
Is Tangem Pay Card a virtual or a physical card?
Tangem Pay Card is a virtual card only.
Can I withdraw cash from an ATM with Tangem Pay Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 2% to 4%, depending on tier.
Does Tangem Pay Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up Tangem Pay Card?
You can top it up by crypto and bank transfer. The top-up fee is free to USD 1, depending on tier.
Does Tangem Pay Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Tangem Pay Card?
It can be funded with 2 assets: USDC and USDT. Top-ups are accepted on 4 blockchain networks: Arbitrum, Base, BNB Smart Chain and Polygon.
What does Tangem Pay Card charge on payments in a foreign currency?
The FX markup is 1.5%. The conditions are listed in the fees table on this page.
Does Tangem Pay Card pay cashback?
Yes. It pays 1% to 2% back on card spend, depending on tier. Rewards are paid in USDC.
What are the spending and ATM limits of Tangem Pay Card?
Daily spending limit: USD 10,000 to USD 50,000, depending on tier.
In which countries can I apply for Tangem Pay Card?
You can apply in 40 countries. That includes 20 in North America, 10 in South America and 5 in Asia. You cannot apply in 18 countries, including China and India.
Sources
- Fees pageFunding withdrawals feestangem.comChecked 07 Oct 2026
- Fees pageCard setup limitstangem.com
- Supported countriesTangem pay getting started kyctangem.comChecked 15 Oct 2026
- Rewards termsTierstangem.comChecked 15 Oct 2026
- Other official pageTangem paytangem.comChecked 07 Oct 2026
- Fees pageTangem visa tariffstangem.comChecked 15 Oct 2026
- Supported countrieswww.paera.com/_files/ugd/b8924a_b934b62ccf1b49bb9625c9af8be40a83.pdfChecked 15 Oct 2026
- Cardholder termswww.paera.com/_files/ugd/b8924a_c602ee10c9b540a38682de880bd193c9.pdfChecked 15 Oct 2026
- Cardholder termswww.paera.com/_files/ugd/b8924a_b7399023d198431eb55dec96f702030b.pdf
- Cardholder termsTangempaypaera.com
- Other official pageSpending transactionstangem.com
- Supported countriesOverviewtangem.comChecked 15 Oct 2026
- Other official pagePartners roadmaptangem.com